2645 Sandy Loam Ct, Sebring, FL 33875 Property Records

Highlands County property record for 2645 Sandy Loam Ct, Sebring, FL 33875

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,508 sqft · built 1996
Lot Size	0.165 acres (7,202 sqft)
Owner	Individual Name on File
Last Sale	$345,000 (Oct 2022)
Tax Bill	$3,335 (2024)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C095801400000060`

Property Details

APN / Parcel Number

Primary APN	`C095801400000060`
Alternative APN	`C-09-35-28-014-0000-0060`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	2,508 sqft Living Area
1st Floor Area	1,902 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,202 sqft (0.165 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Type	Finished
Garage Area	480 sqft
Driveway	Driveway
Driveway Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Pool Area	36 sqft
Porch	Open Porch
Porch Area	289 sqft
Patio Area	244 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	C095801400000060
Street Address	2645 SANDY LOAM CT
City	SEBRING
State	FL
Zip	33875-4711
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3FUD
Legal Description	PRAIRIE OAKS VILLAGE PB 15 PG 88 LOT 6
Legal Range	28E
Legal Township	35S
Legal Section	09
Legal Subdivision	PRAIRIE OAKS VILLAGE
Legal Lot Number	6
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	3
Census Block	3019
Census Tract	961301

Owner

2645 Sandy Loam Ct is owned and occupied by an individual who bought it in October 2022.

Source: Highlands County records, as of December 12, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2645 SANDY LOAM CT, SEBRING, FL 33875-4711
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2022	Warranty Deed, Transfer · Conventional Mortgage METROPLEX MORTGAGE SERVICES INC
Jul 21, 2020	Warranty Deed, Transfer · FHA Mortgage SUPREME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2022 · Amount on File
Deed Sale	Oct 28, 2022 · Amount on File
Prior Sale	Jul 21, 2020 · Amount on File
Deed Document Number	0029381817
Deed Book / Page	2938 / 1817
Record Updated	Jun 8, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Oct 28, 2022
Property Address	2645 SANDY LOAM CT, SEBRING, FL 33875-4711
Document Number	0002121739
Book / Page	2938 / 1817
Map Reference	MB 15 PG 88
Instrument Date	Oct 28, 2022
Instrument	2121739
Transaction Type	Transfer
Record Updated	Nov 11, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,415.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2645 SANDY LOAM CT, 2645, SEBRING, FL 33875-4711

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2645 SANDY LOAM CT, SEBRING, FL 33875-4711

Mortgage

Document Number	0029381819
Date	Oct 28, 2022
Instrument	2938/1819

Lender

Name	METROPLEX MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Jul 21, 2020
Property Address	2645 SANDY LOAM CT, SEBRING, FL 33875-4711
Document Number	0001992369
Book / Page	002763 / 001301
Instrument Date	Jul 17, 2020
Instrument	1992369
Transaction Type	Transfer
Record Updated	Aug 4, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2645 SANDY LOAM CT SEBRING FL 338754711, SEBRING, FL 33875-4711

Mortgage

Document Number	1992370
Date	Jul 21, 2020
Book Page	002763/001303
Instrument	1992370

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 20, 2050

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Highlands County
Unified School District	Highlands County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$270,027	$284,323 Land $17,820 Building $266,503
2024	$3,335.00 (+1.8%)
2023	$3,276.00 (+28.37%) Homeowner's exemption	$254,774 (+28.76%) Land $11,880 Building $242,894	$254,774 (+4.97%) Land $11,880 Building $242,894
2022	$2,552.00 Homeowner's exemption	$197,861	$242,704 Land $11,880 Building $230,824

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2645 Sandy Loam Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 17, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 12 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	12 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 2645 Sandy Loam Ct is high, ranking above 73% of the US, with a 0.4% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 73% of the US · above 57% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 107 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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